Factors influencing on family’s debt of civil servants in bangkok and metropolitan area

Abstract

The objective of this research was to study factors influencing the family debts of civil servants of three types, namely, general officials, academic officials, and administrative and management officials, by using secondary data from National Statistics Office, under the title of the ‘Survey on Living Conditions of Civil Servants in 2012’. In this research, the focus was put on the family debts of civil servants of all ranks and positions in Bangkok and metropolitan area (Samut Prakan province, Nonthaburi province and Pathum Thani province). The number of independent variables in this study was 26. The data were analyzed with multiple linear regression analysis technique by selecting the independent variables with stepwise regression procedure, and factor analysis technique by main factor analysis and orthogonal rotation with varimax method for gathering the correlated variables. The results revealed that there were three common factors that affected the general officials to incur family debts: the capability of making installed payments, the number of family members, and the cost of living. The three main independent variables were wages and supportive money for personnel serving the families, educational expenses, and educational backgrounds using as the bases for job positioning and current positions. The variation of the dependent variables could be explained to be 57.7. The common factor that influenced the academic officials to incur family debts was the capability of making installed payments. The two main independent variables were wages and supportive money for personnel serving the families, and educational expenses. The variation of the dependent variables was able to explain to be 50.1. The common factor that involved the administrative and management officials to incur family debts was the capability of making installed payments. The two main independent variables were expenses related to savings, and genders. The variation of the dependent variables could be described to be 63.5.